CA2384416A1 - System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse - Google Patents
System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse Download PDFInfo
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- CA2384416A1 CA2384416A1 CA002384416A CA2384416A CA2384416A1 CA 2384416 A1 CA2384416 A1 CA 2384416A1 CA 002384416 A CA002384416 A CA 002384416A CA 2384416 A CA2384416 A CA 2384416A CA 2384416 A1 CA2384416 A1 CA 2384416A1
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Abstract
Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample (62), an electronic identicator (12) and an electronic rule module clearinghouse (14). The steps for processing of the electronic transmissions comprise a user registration step, wherein a user registers with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the user . A formation of a rule module (50) customized to the user in a rule module clearinghouse (14), wherein at least one pattern data (54) of a user is associated with at least one execution command (52) of the user. A user identification step, wherein the electronic identicator (12) compares a bid biometric sample taken directly from the person of the user with at least on e previously registered biometric sample (24) for producing either a successfu l or failed identification of the user. In a command execution step, upon successful identification of the user, at least one previously designated ru le module (50) of the user is invoked to execute at least one electronic transmission. The above-mentioned steps are conducted in a manner wherein a biometrically authorized electronic transmission is conducted without the us er presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.
Claims
1. A tokenless biometric method for processing electronic transmissions, using at least one user biometric sample (62), an electronic identicator (12) and an electronic rule module clearinghouse (14), said method comprising the steps of:
a user registration step, wherein a user registers with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the user;
formation of a rule module (50) customized to the user in a rule module clearinghouse (14), wherein at least one pattern data (54) of a user is associated with at least one execution command (52) of the user;
a user identification step, wherein the electronic identicator (12) compares a bid biometric sample taken directly from the person of the user with at least one previously registered biometric sample for producing either a successful or failed identification of the user;
a command execution step, wherein upon successful identification of the user at least one previously designated rule module (50) of the user is invoked to execute at least one electronic transmission;
wherein a biometrically authorized electronic transmission is conducted without the user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.
2. The method of claim 1 wherein during the command execution step, the electronic rule module clearinghouse (14) communicates with one or more third-party computers (28).
3. The method of claim 1 wherein said execution commands (52) are comprised of any of the following: accessing stored electronic data customized to the user's rule modules (50), processing electronic data customized to the user's rule modules (50), and presentation of electronic data customized to the user's rule modules (50).
4. The method of claim 1 wherein pattern data (54) comprises any of the following; a user unique identification code, demographic information, an email address, a financial account, a secondary biometric, Internet browsing patterns, a non-financial data repository account, a telephone number, a mailing address, purchasing patterns, data on pre-paid accounts or memberships for products or services, electronic data usage patterns, employee status, job title, data on user behavior patterns, a digital certificate, a network credential, an Internet protocol address, a digital signature, an encryption key, an instant messaging address, personal medical records, an electronic audio signature, and an electronic visual signature.
5. The method of claim 1, wherein pattern data (54) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
6. The method of claim 1, wherein an execution command (52) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
7. The method of claim 1 further comprising a user re-registration check step, wherein the user's registration biometric sample is compared against previously registered biometric samples (24) wherein if a match occurs, the computer system is alerted to the fact that the user has attempted to re-register with the electronic identicator (12).
8. The method of claim 1 wherein the biometric sample comprises any of the following: a fingerprint, a facial scan, a retinal image, an iris scan, and a voice print.
9. The method of claim 1 wherein during the identification step, the user provides a personal identification code to the electronic identicator (12) along with a bid biometric sample for purposes of identifying the user.
10. The method of claim 9 further comprising a biometric theft resolution step, wherein a user's personal identification code is changed when the user's biometric sample is determined to have been fraudulently duplicated.
11. The method of claim 1, wherein execution of an execution command (52) authorizes the user to access stored electronic data.
12. The method of claim 11 wherein accessing stored electronic data results in activation of an Internet-connected device.
13. The method of claim 1 wherein executing an execution command (52)processes electronic data to provide the user with a user requested electronic transmission.
14. The method of claim 13, wherein said processing comprising invoking the following; a user's digital certificate, a user's identity scrambler, a user's interactive electronic consumer loyalty or consumer rewards program, a user's interactive electronic advertising, a user's interactive instant messaging program, a user's email authentication, and an automated electronic intelligent agent for electronic data search and retrieval that is customized to the user's requests.
15. The method of claim 1 wherein executing an execution command (52) presents electronic data that is customized to the user's requested electronic transmission.
16. The method of claim 1 further comprising a user log-in repeat step, wherein during an electronic transmission the user is periodically required by the electronic identicator (12) to present the user's bid biometric sample or at least one of the user's pattern data (54).
17. The method of claim 1 further comprising a communications step wherein any of the following is used: the Internet (18), an intranet (58), an extranet (58), a local area network (56), a wide area network.
18. The method of claim 1 further comprising a third-party registration step, wherein a third-party (28) registers identification data with the electronic identicator (12), the identification data comprising any of the following; a biometric, a digital certificate, an Internet protocol address, or a biometric input apparatus hardware identification code.
19. The method of claim 18 further comprising a third-party identification step, wherein a third-party (28) providing the user with electronic transmissions is identified by the electronic identicator (12) by comparing the third-party's bid identification data with the third-party's registered identification data.
20. A computer system device for tokenless biometric processing of electronic transmissions, using at least one user biometric sample, an electronic identicator (12) and an electronic rule module clearinghouse (14), comprising:
a biometric input apparatus, for providing a bid or registration biometric sample of a user to the electronic identicator (12); wherein a user registers with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the user;
an electronic rule module clearinghouse (14), having at least one rule module (50) further comprising at least one pattern data (54) of the user associated with at least one execution command (52) of the user, for executing at least one electronic transmission;
an electronic identicator (12), for comparing the bid biometric sample with registered biometric samples of users;
a command execution module (38), for invoking at least one previously designated execution command (52) in the electronic rule module clearinghouse (14) to execute an electronic transmission;
wherein no man-made memory tokens such as smartcards, or magnetic swipe cards are presented by the user to conduct the electronic transmission.
21. The device of claim 20 wherein the command execution module (38) communicates with one or more third-party computers (28).
22. The device of claim 20 wherein pattern data (54) comprises any of the following; a user unique identification code, demographic information, an email address, a financial account, a secondary biometric, a non-financial data repository account, a telephone number, a mailing address, purchasing patterns, data on pre-paid accounts or memberships for products or services, electronic data usage patterns, employee status, job title, data on user behavior patterns, a digital certificate, a network credential, an Internet protocol address, a digital signature, an encryption key, an instant messaging address, personal medical records, an electronic audio signature, and an electronic visual signature.
23. The device of claim 20, wherein pattern data (54) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
24. The device of claim 20, wherein an execution command (52) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
25. A tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator (12) and an electronic rule module clearinghouse (14), said method comprising the steps of:
a primary and subordinated user registration step, wherein a primary and subordinated user each register with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the primary and subordinated user, respectively;
formation of a rule module (50) customized to the primary and subordinated user in a rule module clearinghouse (14), wherein at least one pattern data (54) of the primary and subordinated user is associated with at least one execution command (52) of the primary and subordinated user, and a subordinated user identification step, wherein the electronic identicator (12) compares a bid biometric sample taken directly from the person of the subordinated user with at least one previously registered biometric sample for producing either a successful or failed identification of the subordinated user;
a subordination step wherein upon successful identification of the subordinated user, the pattern data (54) of the subordinated user is searched to determine if any of the subordinated user's rule modules (50) is subordinated to at least one of the primary user's rule modules (50);
a command execution step, wherein upon the successful identification of the subordinated user and the determination that at least one of the subordinated user's rule modules (50) is subordinated to at least one of the primary user's rule modules (50), at least one previously designated execution command (52) of the primary user is invoked to execute at least one electronic transmission;
wherein a biometrically authorized electronic transmission is conducted without the primary and subordinated user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.
a user registration step, wherein a user registers with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the user;
formation of a rule module (50) customized to the user in a rule module clearinghouse (14), wherein at least one pattern data (54) of a user is associated with at least one execution command (52) of the user;
a user identification step, wherein the electronic identicator (12) compares a bid biometric sample taken directly from the person of the user with at least one previously registered biometric sample for producing either a successful or failed identification of the user;
a command execution step, wherein upon successful identification of the user at least one previously designated rule module (50) of the user is invoked to execute at least one electronic transmission;
wherein a biometrically authorized electronic transmission is conducted without the user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.
2. The method of claim 1 wherein during the command execution step, the electronic rule module clearinghouse (14) communicates with one or more third-party computers (28).
3. The method of claim 1 wherein said execution commands (52) are comprised of any of the following: accessing stored electronic data customized to the user's rule modules (50), processing electronic data customized to the user's rule modules (50), and presentation of electronic data customized to the user's rule modules (50).
4. The method of claim 1 wherein pattern data (54) comprises any of the following; a user unique identification code, demographic information, an email address, a financial account, a secondary biometric, Internet browsing patterns, a non-financial data repository account, a telephone number, a mailing address, purchasing patterns, data on pre-paid accounts or memberships for products or services, electronic data usage patterns, employee status, job title, data on user behavior patterns, a digital certificate, a network credential, an Internet protocol address, a digital signature, an encryption key, an instant messaging address, personal medical records, an electronic audio signature, and an electronic visual signature.
5. The method of claim 1, wherein pattern data (54) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
6. The method of claim 1, wherein an execution command (52) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
7. The method of claim 1 further comprising a user re-registration check step, wherein the user's registration biometric sample is compared against previously registered biometric samples (24) wherein if a match occurs, the computer system is alerted to the fact that the user has attempted to re-register with the electronic identicator (12).
8. The method of claim 1 wherein the biometric sample comprises any of the following: a fingerprint, a facial scan, a retinal image, an iris scan, and a voice print.
9. The method of claim 1 wherein during the identification step, the user provides a personal identification code to the electronic identicator (12) along with a bid biometric sample for purposes of identifying the user.
10. The method of claim 9 further comprising a biometric theft resolution step, wherein a user's personal identification code is changed when the user's biometric sample is determined to have been fraudulently duplicated.
11. The method of claim 1, wherein execution of an execution command (52) authorizes the user to access stored electronic data.
12. The method of claim 11 wherein accessing stored electronic data results in activation of an Internet-connected device.
13. The method of claim 1 wherein executing an execution command (52)processes electronic data to provide the user with a user requested electronic transmission.
14. The method of claim 13, wherein said processing comprising invoking the following; a user's digital certificate, a user's identity scrambler, a user's interactive electronic consumer loyalty or consumer rewards program, a user's interactive electronic advertising, a user's interactive instant messaging program, a user's email authentication, and an automated electronic intelligent agent for electronic data search and retrieval that is customized to the user's requests.
15. The method of claim 1 wherein executing an execution command (52) presents electronic data that is customized to the user's requested electronic transmission.
16. The method of claim 1 further comprising a user log-in repeat step, wherein during an electronic transmission the user is periodically required by the electronic identicator (12) to present the user's bid biometric sample or at least one of the user's pattern data (54).
17. The method of claim 1 further comprising a communications step wherein any of the following is used: the Internet (18), an intranet (58), an extranet (58), a local area network (56), a wide area network.
18. The method of claim 1 further comprising a third-party registration step, wherein a third-party (28) registers identification data with the electronic identicator (12), the identification data comprising any of the following; a biometric, a digital certificate, an Internet protocol address, or a biometric input apparatus hardware identification code.
19. The method of claim 18 further comprising a third-party identification step, wherein a third-party (28) providing the user with electronic transmissions is identified by the electronic identicator (12) by comparing the third-party's bid identification data with the third-party's registered identification data.
20. A computer system device for tokenless biometric processing of electronic transmissions, using at least one user biometric sample, an electronic identicator (12) and an electronic rule module clearinghouse (14), comprising:
a biometric input apparatus, for providing a bid or registration biometric sample of a user to the electronic identicator (12); wherein a user registers with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the user;
an electronic rule module clearinghouse (14), having at least one rule module (50) further comprising at least one pattern data (54) of the user associated with at least one execution command (52) of the user, for executing at least one electronic transmission;
an electronic identicator (12), for comparing the bid biometric sample with registered biometric samples of users;
a command execution module (38), for invoking at least one previously designated execution command (52) in the electronic rule module clearinghouse (14) to execute an electronic transmission;
wherein no man-made memory tokens such as smartcards, or magnetic swipe cards are presented by the user to conduct the electronic transmission.
21. The device of claim 20 wherein the command execution module (38) communicates with one or more third-party computers (28).
22. The device of claim 20 wherein pattern data (54) comprises any of the following; a user unique identification code, demographic information, an email address, a financial account, a secondary biometric, a non-financial data repository account, a telephone number, a mailing address, purchasing patterns, data on pre-paid accounts or memberships for products or services, electronic data usage patterns, employee status, job title, data on user behavior patterns, a digital certificate, a network credential, an Internet protocol address, a digital signature, an encryption key, an instant messaging address, personal medical records, an electronic audio signature, and an electronic visual signature.
23. The device of claim 20, wherein pattern data (54) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
24. The device of claim 20, wherein an execution command (52) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
25. A tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator (12) and an electronic rule module clearinghouse (14), said method comprising the steps of:
a primary and subordinated user registration step, wherein a primary and subordinated user each register with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the primary and subordinated user, respectively;
formation of a rule module (50) customized to the primary and subordinated user in a rule module clearinghouse (14), wherein at least one pattern data (54) of the primary and subordinated user is associated with at least one execution command (52) of the primary and subordinated user, and a subordinated user identification step, wherein the electronic identicator (12) compares a bid biometric sample taken directly from the person of the subordinated user with at least one previously registered biometric sample for producing either a successful or failed identification of the subordinated user;
a subordination step wherein upon successful identification of the subordinated user, the pattern data (54) of the subordinated user is searched to determine if any of the subordinated user's rule modules (50) is subordinated to at least one of the primary user's rule modules (50);
a command execution step, wherein upon the successful identification of the subordinated user and the determination that at least one of the subordinated user's rule modules (50) is subordinated to at least one of the primary user's rule modules (50), at least one previously designated execution command (52) of the primary user is invoked to execute at least one electronic transmission;
wherein a biometrically authorized electronic transmission is conducted without the primary and subordinated user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.
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CA2749232A CA2749232C (en) | 1999-09-16 | 2000-09-15 | System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse |
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PCT/US2000/040910 WO2001020531A1 (en) | 1999-09-16 | 2000-09-15 | System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse |
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CA2749232A Expired - Fee Related CA2749232C (en) | 1999-09-16 | 2000-09-15 | System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse |
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2000
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- 2000-09-15 AU AU12528/01A patent/AU1252801A/en not_active Abandoned
- 2000-09-15 CA CA2749181A patent/CA2749181C/en not_active Expired - Fee Related
- 2000-09-15 CA CA2384416A patent/CA2384416C/en not_active Expired - Fee Related
- 2000-09-15 WO PCT/US2000/040910 patent/WO2001020531A1/en active Application Filing
- 2000-09-15 CA CA2749232A patent/CA2749232C/en not_active Expired - Fee Related
- 2000-09-15 BR BR0014023-6A patent/BR0014023A/en not_active IP Right Cessation
- 2000-09-15 JP JP2001524039A patent/JP2003509775A/en active Pending
- 2000-09-15 MX MXPA02002944A patent/MXPA02002944A/en active IP Right Grant
-
2002
- 2002-12-19 HK HK02109217.6A patent/HK1048167A1/en unknown
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2005
- 2005-01-31 US US11/048,567 patent/US7620605B2/en not_active Expired - Fee Related
- 2005-08-04 US US11/198,121 patent/US7606401B2/en not_active Expired - Fee Related
- 2005-12-28 US US11/321,138 patent/US8260716B2/en not_active Expired - Fee Related
-
2011
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2012
- 2012-06-11 JP JP2012131762A patent/JP2012190484A/en not_active Withdrawn
- 2012-06-11 JP JP2012131761A patent/JP5334222B2/en not_active Expired - Fee Related
- 2012-06-24 US US13/531,546 patent/US8463710B2/en not_active Expired - Fee Related
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US7606401B2 (en) | 2009-10-20 |
CA2749232C (en) | 2016-04-12 |
CA2384416C (en) | 2011-11-01 |
US7613659B1 (en) | 2009-11-03 |
EP1214678A4 (en) | 2009-07-01 |
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CA2749181C (en) | 2015-12-15 |
CA2749232A1 (en) | 2001-03-22 |
JP2014041623A (en) | 2014-03-06 |
EP1214678A1 (en) | 2002-06-19 |
JP2003509775A (en) | 2003-03-11 |
JP5334222B2 (en) | 2013-11-06 |
US20060106734A1 (en) | 2006-05-18 |
JP2012190483A (en) | 2012-10-04 |
AU1252801A (en) | 2001-04-17 |
WO2001020531A1 (en) | 2001-03-22 |
JP2011096278A (en) | 2011-05-12 |
HK1048167A1 (en) | 2003-03-21 |
US20050289058A1 (en) | 2005-12-29 |
US8463710B2 (en) | 2013-06-11 |
US20120330838A1 (en) | 2012-12-27 |
US8260716B2 (en) | 2012-09-04 |
CA2749181A1 (en) | 2001-03-22 |
BR0014023A (en) | 2002-05-21 |
JP2012190484A (en) | 2012-10-04 |
JP5050104B2 (en) | 2012-10-17 |
US7620605B2 (en) | 2009-11-17 |
MXPA02002944A (en) | 2003-07-14 |
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